Mr. Pat McArdle:

Because, again, we got to go back to Deputy McGrath's question in trying to understand the role of the economist group. You see, there's a view out there that these economists were omniscient and they knew everything and they were into everything. That was not the case. I was not a financial analyst, so I wasn't looking at things. The only financial economist in Ireland was Professor Honohan actually, as far as I'm aware. There was no one else looking at that area, right.